The Best Identity Theft Protection Services 2015



identity guard logoWe reviewed over a dozen identity protection companies and chose Identity Guard as our top pick.  Identity Guard offers comprehensive credit monitoring and id theft protection, along with standard social security number and credit report monitoring. They give you proactive tools to help protect against identity theft before it happens. With Identity Guard® Total Protection® you receive ZoneAlarm anti-virus protection, PrivacyProtect keystroke encryption plus ID Vault password protection. These tools have been developed to help protect your sensitive information from id thieves. Features like this put Identity Guard a step above their competition.  If specific activity is detected on your Equifax®, Experian®, or Transunion® credit file, Identity Guard will send a prompt alert via email, text or phone, plus they have a mobile app so you can access your account while on the go. There are 3 plan levels & price points from which you can choose.  The best value being the Total Protection® plan. If you want a complete protection package at an affordable monthly price, we recommend you try IdentityGuard for yourself.

Best Service Features

  • Daily 3 Bureau Credit Monitoring & Threat Analysis + Fast Alerts
  • Bank, Credit Account, & SSN Fraud Monitoring
  • Free Mobile Application for iPhone & Android
  • ZoneAlarm Anti-Virus & Privacy Protect Keystroke Encryption Software
  • 1 Million Dollars Identity Theft Insurance

Plans & Pricing

Identity Guard has affordable identity protection plans for nearly every budget. The Total Protection® is the best value for the money at $16.99/month after the free trial period.

We invite you to try theft protection services  FREE for 30 days. And you can subscribe for only $16.99/month.  This is a $3.00/month savings off the homepage price orangearrow[1]Visit to protect your identity today.


lifelockultimateLifeLock comes in a close second and is an extremely popular option for identity protection. With all LifeLock plans you receive 3 bureau credit and social security number monitoring, which are scanned daily for threats and fraudulent activity.   They also monitor black market websites used by identity thieves to buy & sell your personal information.  If your data appears on any of these sites, you receive an immediate alert. By working with the credit reporting agencies,LifeLock also helps to eliminate pre-approved credit card offers, which are a perfect target for identity thieves.   One of the features we like best is their additional child I.D. theft protection feature, LifeLock Jr.  Children have become a popular target for ID theft.  LifeLock Jr. monitors your child’s identity for the same fraudulent activity that your LifeLock Ultimate plan provides.  Add in the Lost Wallet Protection and up to 1 Million in ID Theft insurance and LifeLock is an excellent option for protection and credit monitoring.

Best Service Features

  • 3 Bureau ID Theft Monitoring
  • Bank, Credit Account, & SSN Fraud Monitoring
  • Black Market Website Monitoring
  • LifeLock Jr. Child ID Protection & Monitoring
  • 1 Million Dollars Identity Theft Insurance

Plans & Pricing

LifeLock protection plans start at $8.95/month to $26.99/month for the Ultimate Plus plan. You can try LifeLock free for 30 days and receive 10% off your membership purchase.

 You can try LifeLock FREE for 30 days & receive 10% off your purchase of LifeLock Ultimate when the trial is over.  Click Here to get started.



id cuffsID Cuffs also received a 4 star rating and is ranked #4 on our list.  A relatively new I.D theft protection company, ID Cuffs’ entire focus is on preventing identity theft before it happens.  ID Cuffs will assist you in opting out of pre-approved credit card and insurance offers which contain vast amounts of personal information and usually end up in the garbage. They will also help get rid of unwanted telemarketing calls, which are often used to obtain sensitive information without your knowledge. Combine that with a software security suite designed to keep your online information safe and you’ve got a strong level of theft prevention from the start.  ID Cuffs also monitors your credit reports for any signs of fraud or data breaches and sends immediate alerts if any major changes are discovered. As a client, you will have access to free annual credit reports and Certified Identity Experts that can assist you with securing your personal information and staying off the radar of identity thieves.  ID Cuffs offers some unique features that aren’t included with other identity monitoring plans.

Best Service Features

  • Daily ID Monitoring + Fraud & Data Breach Alerts
  • Online ID Theft Security Software
  • Pre Approved Credit Card Opt Out Assistance
  • Free Annual Credit Reports
  • Identity Theft Recovery Assistance

Plans & Pricing

ID Cuffs focuses entirely on preventing identity theft before it occurs with some unique plan features. The monthly membership is $19.99/month after your free 7 day trial period.

 Sign up for a 7 day trial for only $1.99.  The monthly membership is only $19.99/month.  Click here to visit ID Cuffs & enroll.



identity force logoIdentityForce takes a 3 tiered approach to identity protection.  Monitor, Alert & Control.  All of your important account sources are monitored daily with IdentityForce’s full spectrum monitoring technology. This allows them to be proactive in the detection of the illegal selling of your credit, personal & financial information. If they detect that your personal information is at risk, you will receive an instant notification from their early warning system.  Alerts can be sent to your smart phone, computer or tablet.  By having fast alert times, you can quickly react to the threat before it becomes a larger problem.   IdentityForce believes in taking control of your credit.  By knowing where and when your information is being used, you can protect sensitive information through technology.  Keystroke encryption protection software, included with IdentityForce theft protection plans, can shield your pin numbers, credit card numbers and banking information from prying eyes.  Combine all of this with 1 million dollars in theft insurance and 24/7 credit restoration services in the event your identity is stolen and you have an quality theft protection service you can trust.

Best Service Features

  • Full Spectrum Daily Account Monitoring Technology
  • ProActive Threat & ID Risk Alerting
  • Free KeyStroke Computer Encryption Software
  • 27/7 Credit Restoration Assistance
  • 1 Million Dollars Identity Theft Insurance

Plans & Pricing

Identity Force credit & identity monitoring plans start at $14.95/month after the free 14 day trial.

The UltraSecure plan runs $19.95/month and includes several additional benefits above the standard plan.

Visit for a 14 day trial + 17% off a full subscription. Click here to sign up today.


identity lookout logoWe ranked Identity Lookout number 5 on our list, but we still feel they offer a quality id protection and monitoring service at an extremely reasonable price. Included with an Identity Lookout plan is a copy of your free Experian credit report.  You also get daily credit monitoring, credit, debit and ATM card protection, which watches for 50 indicators of identity theft, allowing them to alert you quickly so the damage can be contained. Identity Lookout employs theft resolution agents which can assist you with any identity theft related issue, including calling credit card companies to cancel and replace cards should your wallet be stolen or lost.  They offer 1 million dollars in ID Theft Insurance as well as supplemental identity protection for children.  You can feel safe using Identity Lookout as they are reputable monitoring service that has been assisting customers for over 7 years.

Best Service Features

  • Top Rated 3 Bureau Credit Monitoring & Email Alerts
  • Credit, Debit & ATM Card Monitoring & Protection
  • Identity Theft Resolution Agent Assistance
  • Supplemental Child Identity Monitoring
  • 1 Million Dollars Identity Theft Insurance

Plans & Pricing

IdentityLookout is backed by Experian and is a solid credit monitoring service. Their comprehensive id protection plan costs $19.95/month after the 7 day trial.

Visit to sign up for a $1.00 / 7 Day Protection Trial.  The full membership is $19.95 /month.

A Discussion About Identity Theft and What To Expect

We realize you’re here doing research on identity theft protection services & plans, but we want to take just a minute to discuss a bit more about identity theft.  If you can just take a moment and read this, you will have a better understanding of real world identity theft and the unfortunate aftermath that is causes.  Obviously you’re starting to take the protection of your identity seriously if you’re looking into signing up for a protection plan. This is a wise decision, because even though an identity theft protection plan ultimately won’t stop a determined identity thief, it will allow you to find out about the crimes quickly and take action to stop a bad situation from becoming a complete nightmare.

The Worst Part of Identity Theft Is Not Knowing It Has Happened

When we talk to clients who have been victims of identity theft, we always ask them the same question.  How many days had the fraud been going on before you found out?  The normal response is about a week or more. This is too long. By that point, a manageable problem is now completely out of control.  The most damage is done within the first few days after your information is stolen.  Identity thieves will attempt to open as many lines of credit as they possibly can before it is detected as fraud.  Retail credit cards, bank credit cards, wireless phone plans, auto loans, home loans, fraudulent tax refunds.  These are the main types of fraud you will encounter if you ever have your identity is stolen.  The longer it takes for you to find out, the longer the criminals are out their trying to use your address, birth date & social security to secure lines of credit, purchase goods and generally ruin your good credit rating.   This isn’t a hypothetical situation.  IT’S 100% FACT.  Ask anyone who’s had their identity stolen!

Identity Theft Causes An Instant Credit Score Drop

This happens because the criminals are submitting applications for credit cards & other lines of credit with your social security number. These credit inquiries are costing you several points each time and can add up quickly.  By the time you find out and check your credit report, your score could have already dropped 60+ points. Plus, these inquiries stay on your report for 2 years.  You can request that the creditor alert the credit bureau and have the inquiries removed, but this is a time consuming process.  Almost all identity protection services will take care of this for you when you are signed up with a plan.  It’s why you’re paying them in the first place.

Prepare For Hours Of Damage Control

If you’re lucky enough to figure out your identity has been stolen after just a day or two, you’ should still be prepared to spend hours calling each of the companies where the criminals applied for credit.  In many cases they will have filled out multiple online credit applications in your name, which are usually set to ‘pending’ status with the creditor.  In order to make sure these applications don’t get approved, you will need to contact the fraud department of these companies and explain that your identity has been stolen in order to have the applications removed.  This is a tedious process that takes a lot of time to complete. Identity monitoring services will handle this for you.  It can take years or months to repair your credit.  Identity theft protection companies will work with the credit bureaus to remove any negative items that were caused by the fraud.

The Reality of Identity Theft

We’re not trying to scare you.  But the fact is that identity theft IS scary.  You feel violated and even helpless that someone is out there with your information, and there is little you can do about it. Unfortunately, most people rarely give identity theft a second thought.  It’s one of those things in life that that most believe “won’t ever happen to them”. Did you know that this year alone, over 12 million Americans will have their identity stolen.  4 million of those victims will have  their social security number stolen1, which is the most damaging form of identity theft.  Identity theft costs consumers and businesses nearly 20 billion dollars annually, as well as endless amounts of time spent trying to repair the damage done by these crimes. Unfortunately, reported cases of identity theft have been on the rise in the past 5 years.

There are a lot of ways to help safeguard your identity, but we strongly recommend consumers sign up for identity protection services, with one of the major companies.  There are more than a dozen companies that provide these id theft and credit monitoring services, however not not all provide the same level of protection.  We have put together a list of what we believe are the best identity theft protection services currently available.  If you do one thing today to help prevent an identity theft disaster, we suggest signing up with one of the following companies.

Identity Theft & Credit Monitoring

Identity theft is one of the most egregious non-violent crimes that can be committed against a person.  This occurs when someone decides to take your personal information without your given permission or knowledge. In reality, this crime is more than a minor inconvenience. It is an all-out assault on your finances and credit history and it can take a considerable of time to restore both if you’re not careful. These unscrupulous thieves can deflate your bank account, inflate charges on your credit cards, file tax returns in your name and even go as far as giving your name, address and other false information during their arrest. Sadly, even children are not safe from this despicable act, so it may be wise to every now and then check to see if your child has a credit report in their name.  Having a the best protection plan in place is a must if you want to help prevent your identity from falling into the wrong hands.Fortunately, there are a several things you can do to when considering your which service to use. Educating yourself on the signs of a possible or attempted theft is vital these days. The Electronic Fund Transfer Act (EFTA) and The Fair Credit Billing Act (FCBA) provides protection if your ATM, credit or debit cards are lost or stolen. Aside from specific credit protection companies, many banks also offer these same types of services. Be mindful to never give out your Social Security number to strangers and/or organizations unless you are positively certain of their authenticity. If you do become a victim, following the proper steps to get your life back on track is of the utmost importance.

Ways People Can Protect Against Identity Theft

As far as identity theft is concerned, it takes place whe another person obtains someone else’s personal information, like your Social Security number or credit card data to commit fraud as well as other crimes. The authorities estimate that there are millions of people from different parts of the world who are becoming victims of identity theft every year.

In response to the concerns regarding identity theft, there are numerous financial institutions and companies that have introduced products and services that can help in monitoring your credit, reimburse you for the funds or wages you lost and protect your identity. There are some employers that also offer their identity theft insurance that can help in reducing the amount of money and time spent in resolving the crime so it is best that you check with the benefits specialist of your company about your eligibility.

But as an individual, there are many things that you can do to safeguard yourself from cases of identity theft. Some of these ways include the following:

Guard Your Online Information

Today, many people do most of their banking and shopping online. With all the passwords and account numbers that float around, it is easy that someone will nab your personal information and use it to go on a shopping spree without your knowledge.

  • Clear your passwords and logins. It is particularly important if you are using a public computer. Change your passwords and logins every month.
  • Pay your online purchases using your credit card that has better guarantees under the federal law as compared to online payment services or using your debit card.
  • Stay alert for phishing, a kind of trick wherein pop ups or spam mimic legitimate businesses and banks to obtain your personal information that they can use to gain access to your accounts. See to it that you are on a familiar website that has security controls before you enter your personal data.

Monitor Credit Card and Bank Statements

Have a regular checking of all your accounts so that you know if something goes awry. Purchases that you did not make must be obvious, such as the purchase of a branded high end bag that you never made yourself.

Mailing Address Verification

Verify your mailing address with financial institutions and the post office. The identity bandits can fill out forms on change of address so that the delinquent credit notices will stay off your paper billing radar.

Credit Report Monitoring

By law, you are entitled to a free credit report annually from any of the three primary bureaus. Request for one every quarter and change bureaus every time you do so. You can also order this report directly through every agency.

Shred the Sensitive Documents

You may also want to buy yourself a shredder that you can use for regularly shredding any outdated bank statement, bills, credit card applications or anything that contains your personal information before you toss it to recycling or the trash bin. Most of the time, junk bin usually contains some personal details.

Will it make sense if you pay a plan if you have taken all the necessary precautions? Well, it will depend on your personal spending habits as well as your overall level of care and caution. You might also choose to invest in a reliable identity theft protection service when you:

  • Conduct lots of online shopping or banking;
  • Lack the time to monitor your personal information on your own;
  • Sickened by the thought of investing money and time for recovery from identity theft.

Identity theft can be avoided if you will be vigilant enough as far as your finances and personal information as concerned. Once you have detected any sign of fraudulent activity, make sure that you notify the financial institution where this fraudulent activity has taken place first so that your account will be safeguarded right away. Depending on the particular situation, you will need to file a complaint with the concerned authority as well as the local police department. See to it that you also investigate the rest of your accounts. Being proactive instead of reactive is important to protect yourself from the fraudulent activities of people who are only after your money.


4half Total Ratings 4.3 out of 5 based on 987 ratings.

1 Based on projections from a 2013 Identity Fraud Report from Javelin Strategy & Research.

*The scores you receive with Identity Guard® are provided for educational purposes to help you understand your credit. They are calculated using the information contained in your Equifax‚ Experian and TransUnion credit files. Lenders use many different credit scoring systems‚ and the scores you receive with Identity Guard are not the same scores used by lenders to evaluate your credit.

Credit scores are provided by CreditXpert based on data from the credit reporting bureaus.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group‚ Inc. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms‚ conditions‚ and exclusions of coverage. Coverage may not be available in all jurisdictions.


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